This is a very interesting perspective that I never thought of before. >the second isn't because it's a routine service that shouldn't be so expensive that you

This is a very interesting perspective that I never thought of before. >the second isn't because it's a routine service that shouldn't be so expensive that you can't pay it out of pocket. This is a little dicey. What if my doctor thinks it’s just not a normal cold and he needs to order blood work and ct scan? And that leads to a insurable risk.